Texas lawmakers have made meaningful progress over the last decade in reforming Texas law to better reflect the competitive market. The electricity and telecommunications markets, for example, have both seen a reduction in the level of government intervention, with the result that consumers now enjoy lower prices, greater choices, and better protection than they did when the market was under the government’s heavy hand. That progress, however, has not been shared in the homeowners insurance market, where Texas consumers pay insurance rates far above the national average.